最佳加密货币储蓄账户：前 8 名提供商的快速概览

加密货币储蓄账户使投资者能够从其持有的加密货币中赚取利息。它们就像加密钱包和银行账户的混合体一样，通过质押或投资加密货币来奖励用户存款。

Crypto savings accounts provide investors with the ability to earn interest from their cryptocurrency holdings. Working like a hybrid between a crypto wallet and a bank account, they reward users for deposits, either by staking or investing cryptocurrencies. They are therefore a good option for investors who plan to hold their tokens for longer periods of time.

加密货币储蓄账户使投资者能够从其持有的加密货币中赚取利息。它们就像加密钱包和银行账户的混合体一样，通过质押或投资加密货币来奖励用户存款。因此，对于计划长期持有代币的投资者来说，它们是一个不错的选择。

Investors can open crypto savings accounts with many of the leading exchanges, as well as with cryptocurrency lenders and investment firms. While the choice can often be intimidating, this article will help retail investors navigate the market and pick the best crypto savings account for them.

投资者可以在许多领先的交易所以及加密货币贷款机构和投资公司开设加密货币储蓄账户。虽然选择往往令人生畏，但本文将帮助散户投资者驾驭市场并为他们选择最佳的加密货币储蓄账户。

Here's a quick rundown of the savings accounts we’ll feature –

以下是我们将介绍的储蓄账户的简要概述 –

#1 Pick

#1 选择

Nexo

关系

Nexo

关系

Founded: 2018

成立时间：2018年

Cryptocurrency Support: 30+

加密货币支持：30+

APY: Up to 15%

年化收益率：高达 15%

Check Nexo Now

立即检查 Nexo

Nexo is a Zug-based cryptocurrency lender and trading platform known for offering the best crypto savings accounts. It provides such accounts through its Earn product, which is available for just over 30 cryptocurrencies, including Bitcoin, Litecoin, Ethereum, XRP, USDT, Dogecoin, Cardano, Solana, and Tron.

Nexo 是一家位于楚格的加密货币借贷和交易平台，以提供最好的加密储蓄账户而闻名。它通过其 Earn 产品提供此类账户，该产品适用于 30 多种加密货币，包括比特币、莱特币、以太坊、XRP、USDT、狗狗币、卡尔达诺、Solana 和 Tron。

By depositing the eligible tokens, Nexo users can earn a yield of up to 15% APY, although they can top this up by an extra 2% when choosing to receive their interest in the form of the native NEXO token. It pays such high rates via its overcollateralized lending to other institutions, with its credit lines collateralized by anything from 200% to 500%.

通过存入符合条件的代币，Nexo 用户可以获得高达 15% APY 的收益率，尽管当他们选择以原生 NEXO 代币的形式接收利息时，他们可以额外增加 2%。它通过向其他机构提供超额抵押贷款来支付如此高的利率，其信贷额度的抵押率为 200% 至 500%。

One of the benefits of Nexo is that it provides daily interest payouts, while the Flex option enables users to withdraw deposited funds at any time. Choosing fixed-term deposits, where funds are locked up for at least one month, provides the chance to earn higher yields.

Nexo 的好处之一是它提供每日利息支付，而 Flex 选项使用户可以随时提取存入的资金。选择定期存款（资金被锁定至少一个月）提供了赚取更高收益率的机会。

Nexo has very low minimum deposit amounts, requiring only 0.001 BTC to earn yields with Bitcoin, for example. It also allows you to stake Ethereum and earn a higher yield by choosing to receive rewards in the form of Nexo Staked Ethereum (NETH), with maximum rates rising from 8% to 12% in the latter option.

Nexo 的最低存款金额非常低，例如，只需 0.001 BTC 即可通过比特币赚取收益。它还允许您质押以太坊并通过选择以 Nexo 质押以太坊 (NETH) 的形式获得奖励来获得更高的收益，后一种选择的最高利率从 8% 升至 12%。

While certain cryptocurrency lenders (e.g., Celsius, Voyager) have collapsed in recent years, Nexo retains a strong reputation and is regulated in various countries worldwide, including as a Virtual Currency Operator in Italy.

虽然某些加密货币贷款机构（例如，Celsius、Voyager）近年来已经倒闭，但 Nexo 仍保持着良好的声誉，并在全球多个国家/地区受到监管，包括作为意大利的虚拟货币运营商。

Pros

优点

- High interest rates of up to 15% APY on 30+ cryptocurrencies

- 30 多种加密货币的年利率高达 15%

- Daily interest payouts and the ability to withdraw at any time with Flex option

- 每日利息支付以及通过灵活选项随时提取的能力

- Low minimum deposit amounts, starting at 0.001 BTC for Bitcoin savings

- 最低存款金额低，比特币储蓄从 0.001 BTC 起

- Staking Ethereum provides the chance to earn higher yields in the form of Nexo Staked Ethereum (NETH)

- 质押以太坊提供了以 Nexo 质押以太坊 (NETH) 形式赚取更高收益的机会

- Strong reputation and regulated in various countries, including as a Virtual Currency Operator in ItalyCons

- 在多个国家享有盛誉并受到监管，包括作为意大利的虚拟货币运营商

- Only a limited number of cryptocurrencies are supported for savings accounts

- 储蓄账户仅支持有限数量的加密货币

- Higher interest rates are available only to those who choose to receive their rewards in the form of the native NEXO token

- 更高的利率仅适用于那些选择以原生 NEXO 代币形式接收奖励的人

- Despite being one of the best crypto savings account providers, it isn't available in several countries, including the US#2 – Supports Most Crypto Coins

- 尽管是最好的加密货币储蓄账户提供商之一，但它在包括美国在内的多个国家/地区不可用#2 – 支持大多数加密货币

YouHodler

尤霍德勒

YouHodler

尤霍德勒

Founded: 2018

成立时间：2018年

Cryptocurrency Support: 58

加密货币支持：58

APY: Up to 15%

年化收益率：高达 15%

Check YouHodler Now

立即检查 YouHodler

Regulated in the EU and Switzerland, YouHodler is arguably the best crypto savings account provider for European investors. It launched in 2018 and offers a highly competitive Yield Account that currently accepts 58 tokens, including Bitcoin, Ethereum, XRP, Solana, Litecoin, Tron, Avalanche, and Tether.

YouHodler 受到欧盟和瑞士的监管，可以说是欧洲投资者最好的加密货币储蓄账户提供商。它于 2018 年推出，提供极具竞争力的收益账户，目前接受 58 种代币，包括比特币、以太坊、XRP、Solana、莱特币、Tron、Avalanche 和 Tether。

Its Yield Account is highly accessible, allowing users to open the account at the Basic level with a minimum deposit of only $100. Current rates for the Basic tier range from 3% for Bitcoin and Ethereum to 7% for Litecoin and 10% for Tether, while trading or depositing more can qualify users for fixed deposits and higher levels of interest. What’s particularly good about YouHodler is that it pays interest every week.

其收益账户易于访问，用户只需最低存款 100 美元即可开设基本级别的账户。目前基本层的利率范围为比特币和以太坊的 3%、莱特币的 7% 和 Tether 的 10%，而交易或存入更多资金可以使用户有资格获得定期存款和更高水平的利息。 YouHodler 特别好的一点是它每周都会支付利息。

There’s also a YouHodler Earn program, which works with a wider range of cryptocurrencies, including meme coins like Shiba Inu, Dogwifhat, Pepe, and Floki Inu. It can offer up to 15% interest on some coins, such as Pepe and Dogwifhat while providing the option of either daily or weekly payouts.

还有一个 YouHodler Earn 计划，适用于更广泛的加密货币，包括 Shiba Inu、Dogwifhat、Pepe 和 Floki Inu 等 Meme 币。它可以为 Pepe 和 Dogwifhat 等某些代币提供高达 15% 的利息，同时提供每日或每周支付的选项。

All in all, YouHolder offers one of the best crypto savings accounts in the industry and is also an excellent trading platform. Given that it’s regulated in Switzerland and the EU, users can take reassurance from the fact that it’s one of the most reliable platforms in the sector.

总而言之，YouHolder 提供了业内最好的加密货币储蓄账户之一，也是一个出色的交易平台。鉴于它受到瑞士和欧盟的监管，用户可以放心，因为它是该行业最可靠的平台之一。

Pros

优点

- Supports a massive range of cryptocurrencies for its savings accounts, including meme coins

- 其储蓄账户支持多种加密货币，包括模因币

- Provides the option

- 提供选项